Vyrd Insurance

Vyrd is a St. Petersburg home insurer licensed in late 2021. It began with Citizens takeouts in 2022. Funded by SiriusPoint and Bolttech; Bolttech is buying it.

You can find it on our list of Florida home insurance companies. Its Florida company code is 50744 and its NAIC number is 17153.

Taking new policiesChecked Oct 19 Home

Is Vyrd leaving Florida? No. It is a Florida only home insurer in St. Petersburg, and its site posted no stop on new policies on Oct 10, 2026. As of Oct 19, 2026. Source: vyrd.co.

By , updated

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New policies

Taking new policies

As of Oct 19, 2026

Policies in force

28,588

Jul 31, 2026, OIR

Latest rate change

−10.4%

Home, from May 15, 2026

Financial strength

A (Exceptional)

From Demotech

Complaints

2 complaints in 2025 (NAIC, nationwide)

NAIC, 2025, nationwide, homeowners

Can I get a policy?

We're still gathering this company's rules. Call and we'll check for you.

Talk to a licensed agent (727) 997-5999

Did your Vyrd renewal go up?

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What's changed recently

  1. Bolttech moves to full ownership; CEO and board change

    Founding CEO David Howard resigned April 2, 2024 and chairman Robert Bauer became CEO. Bolttech CEO Robert Schimek joined the board June 26, 2024 as Bolttech's Kole, Inc. agreed to buy SiriusPoint's 50% stake.

  2. OIR clears a second Citizens takeout of 8,213 policies

    OIR approved Vyrd to assume up to 8,213 more Citizens policies. The OIR exam says about 2,400 HO3 policies were actually assumed in November 2022, after about 5,500 in April.

  3. Vyrd starts out with approval to take up to 42,045 Citizens policies

    OIR approved Vyrd to take up to 42,045 personal residential Citizens policies. Vyrd began selling in April 2022. It took about 5,500 HO3 policies. Demotech had affirmed its A rating on February 8, 2022.

  4. Vyrd is formed and licensed in Florida

    SiriusPoint and Bolttech formed Vyrd in St. Petersburg as a Florida home insurer. David Howard led it. It was the first new Florida P&C insurer licensed in about three years. It sells through independent agents.

See every Vyrd update

Rate history

Rate filing history: statewide average change per filingHomeowners: −10.4%, effective May 15, 2026 (approved)−10.4%HomeownersMay 15, 2026
Statewide average filed with OIR. Your renewal will differ.

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4 years in Florida

In Florida since 2022. Has paid claims through 7 hurricanes.

202220242026 Ian (2022 , Category 4 at Florida landfall) Ian Cat 4 Nicole (2022 , Category 1 at Florida landfall) Nicole Cat 1 Idalia (2023 , Category 3 at Florida landfall) Idalia Cat 3 Debby (2024 , Category 1 at Florida landfall) Debby Cat 1 Helene (2024 , Category 4 at Florida landfall) Helene Cat 4 Milton (2024 , Category 3 at Florida landfall) Milton Cat 3 Isaías (2026 , Category 2 at Florida landfall) Isaías Cat 2

Compare Vyrd side by side

Vyrd side by side with State Farm and Universal Property
Vyrd State Farm Universal Property
New policies Taking new policies Checked Oct 19, 2026 Taking new policies Checked Oct 19, 2026 Taking new policies Checked Oct 19, 2026
Florida policies 28,588 Florida OIR, Jul 31, 2026 654,641 Florida OIR, Jul 31, 2026 594,182 Florida OIR, Jul 31, 2026
Latest rate change −10.4% Home, from May 15, 2026 +0.8% Home, from Jan 15, 2026 −5.1% Home, from Oct 16, 2025
Complaint index 2 complaints in 2025 (NAIC, nationwide) NAIC, 2025, nationwide, homeowners 0.63 NAIC, 2025, nationwide, homeowners. 1.00 is average. 2.63 NAIC, 2025, nationwide, homeowners. 1.00 is average.
Financial rating A (Exceptional) Demotech A- (Excellent) AM Best A Demotech, Oct 7, 2026
In Florida since 2022 1934 1997

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Questions people ask about Vyrd

Is Vyrd leaving Florida?No.

Vyrd is a Florida home insurer based in St. Petersburg that only sells in Florida. No OIR consent order, runoff plan or exit notice was found as of October 2026, and its site posted no stop on new policies on Oct 10, 2026.

Source: Vyrd home page, read Oct 10, 2026

What is the Vyrd claims phone number?Call 844-217-6993 or file online at app.vyrd.co/claim.

For general customer service, billing and policy questions, call 888-806-8973. That number is also written 888-806-VYRD.

Source: Vyrd contact page, read Oct 10, 2026

Is Vyrd a good company?Public data only: Demotech affirmed Vyrd's A (Exceptional) rating in February 2022, soon after launch.

OIR exams as of 2021, 2022 and 2023 reported no significant findings. It is a young company. It has sold policies since April 2022. It had surplus of $28.8 million at year end 2022 after a $9.9 million first year loss.

Source: Demotech release February 8, 2022; Florida OIR exams as of December 31, 2022 and 2023

Who owns Vyrd?Vyrd was formed in late 2021 through Vyrd Holdings, LLC.

It was a 50/50 venture of Bermuda reinsurer SiriusPoint and Kole, Inc., part of insurtech Bolttech. Kole later agreed to buy SiriusPoint's half, with Florida regulator approval. That would make Vyrd fully owned by Bolttech. An affiliate, Vyrd Underwriters, LLC, manages its policies.

Source: Florida OIR exam as of December 31, 2022; The Insurer on the Kole buyout

Is Vyrd admitted in Florida?Yes.

Vyrd Insurance Company is a Florida stock insurer. It was formed and licensed on November 29, 2021. Its license covers homeowners multi peril. It is licensed only in Florida. It is an admitted home insurer. So it is covered by the Florida Insurance Guaranty Association.

Source: Florida OIR financial examination report as of December 31, 2022

Is Vyrd the same as SafePoint?No.

Vyrd and SafePoint are separate companies. OIR records show no ownership link. Vyrd's founding CEO, David Howard, came from Lighthouse Property Insurance, Edison Insurance and AmRisc, not SafePoint. Vyrd was built by SiriusPoint and Bolttech. It has never been part of SafePoint.

Source: The Insurer, November 2021; Florida OIR exam as of December 31, 2022

Still deciding? Let us shop your Vyrd renewal.

A licensed Florida agent shops other companies for you. It is free and takes about 5 minutes.

or call (727) 997-5999

Free. No junk mail. No spam calls.

Vyrd reviews and complaints: what the public data shows

Vyrd rating

A (Exceptional) from Demotech.

Complaints
2 complaints in 2025 (NAIC, nationwide) NAIC, 2025, nationwide, homeowners. As of Oct 16, 2026.
Years in Florida
Since 2022 (4 years)
Regulatory actions
Not available

No star ratings and no user reviews, only public data.